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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,650 | $88,672-30.5% | $105,223-41.4% | $82,448-25.2% |
| Participation rate | 42.9% | 67.9%-25.1pp | 75.0%-32.2pp | 68.1%-25.2pp |
| Annual return | 11.24% | 30.86%-19.6pp | 180.65%-169.4pp | 41.64%-30.4pp |
| Employer contribution / active EE | $1,134 | $3,048-62.8% | $3,689-69.3% | $2,551-55.6% |
| Participant deferral / active EE | $1,860 | $4,036-53.9% | $5,072-63.3% | $4,139-55.1% |
| Admin fee / account holder | $19,481 | $7,146+172.6% | $8,859+119.9% | $7,234+169.3% |